A well-balanced portfolio, according to most personal finance experts, should contain a mix of both equities (also known as stocks) and bonds. What the precise ratio of equities to bonds should be depends upon a …

Balancing your checkbook is a simple task, as long as you do it often (and no, it does not mean setting it on your head and trying to keep it from falling off).All it requires …

Sooner or later, everyone will have a problem with a person or a company. People will feel very angry and helpless because they don’t know where to turn for help. They may feel victimized by …

For most of us, the biggest investment in our lifetime is our home. The best way to protect that investment is to purchase homeowner’s insurance. Homeowner’s insurance protects you from catastrophic loss. A simple example …

To find the best car insurance coverage for you involves determining how much of your budget can be used for the insurance and then identifying specific insurance coverage that protects you from liability, medical expenses …

The Federal Trade Commission (FTC) maintains a complaint database for consumer fraud and identity theft providing the information to federal and state law enforcement agencies. These agencies utilize the information to track consumer fraud nationally …

The greatest problem that we all face when living on a low budget is probably the issue of living. While it is possible to exist with next to no money, we do find it increasingly …

Being able to increase your credit score is becoming more and more important as the number of people that default on their accounts rises and the number of methods that a person can use to …

The key point here is the words here are the words “guaranteed government health and dental coverage”. No, there should not be legislation in place to “guarantee” anything other than what is “guaranteed” by the …

Forex is the short form for foreign exchange. The foreign exchange or currency market exists wherever one currency is traded for another. It is by far and large the largest financial market in the world. …

Health insurance for most people is provided by an employer in the form of a group health insurance plan or purchased as an individual policy. Individuals that need additional coverage can purchase a supplemental insurance …

Older people, by general practices, are required to pay higher premiums for medical insurance. This has been highly contested, as people tend to feel that it is unfair for the older members of the population …

Everyone dreams of owning their own home, and a 40 year mortgage can help to turn the dream into a reality. However, as with all financial arrangements, it’s important to check out all the implications …

If you have overspent on credit cards in the past, then you are not alone. This is one of the major reasons that people end up in debt, and it can be especially problematic if …

Debit cards can resemble a credit card with some differences. The use of a debit card eliminates the need for written checks as the transactions are handled by electronic means. The money is deducted from …

There aren’t many consumers that would disagree that the modern banking industry has created a means of profiting off of the misfortune of others.  Those that need the money the most are the ones that …

The art of sticking to a budget lies in having a budget that you can stick to. Many people approach budgets like they do a diet: “I’m going to save $1000 a month and become …

You filled out your first credit card application with the idea that you would only use it for emergencies. But when you first get a credit card, your emergencies change. Now on your way home …

You have just convinced yourself of the importance of investing as a means to grow wealth and prepare for retirement. You know the earlier you start your investment, the better. You want to learn more …

As more and more people fall victim to the seductive advertising and marketing techniques used by the credit card companies, the amount of unpaid debt owed to such companies is skyrocketing at a staggering rate. …

Banking online has become the norm for the majority of consumers who find that it is much easier to pay their bills and check their bank accounts by simply accessing their account through the bank …

You worked hard and you have finally done it.  You pulled yourself out of credit card debt.  You will now want to avoid making the same mistakes that drove you into debt in the first …

Most people associate Avon with two things:  1. Cosmetics.  2. The sound of a ringing doorbell and a pleasant female voice intoning “Avon calling!” But times have changed.  First off, Avon products go well beyond …

Diversifying risk isn’t the same as straight diversification, so much so that diversifying risk can actually be achieved through an investment in only one company. It all comes down to how well spread any risks to …

Low Cost Payday Loans An emergency arrives and a person needs funds prior to payday. The Cash advance stores on each corner may appear to provide the solution, but should be the last resort.  These …

Buying a multi family home, is a great way to go when considering a rental investment, it can bring in a large amount of money, from a centralized location, and upkeep is easier if you …

Mortgage applicants in 2011 may well find that their credit score is different to expectations, as new analytical algorithms are introduced into the credit scoring model. The changes which have already been introduced by the …

There are myriad factors at play when someone dies and has outstanding credit card debt. The biggest factor to consider is whom the credit card actually belongs to, as this is a major determinant. If …

Every person that attempts their own financial management will experience some level of risk when trying plan their financial future. Financial stability can become uncertain from year to year and the many things that play …

Getting insurance is one of the simplest things you can do, however when it comes time for the insurance company to pay up, that’s when the complications begin. When it comes to insurance companies taking …